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Level Up Your Travel: Upgrading from Delta Platinum to Reserve

So, you’re ready to trade in your Delta SkyMiles Platinum American Express Card for the big leagues – the Delta SkyMiles Reserve American Express Card. Excellent choice! It’s a significant leap, unlocking a whole new level of travel perks and privileges. The fundamental way to upgrade is quite straightforward: you simply apply for the Delta SkyMiles Reserve Card. While there isn’t a direct “upgrade” path, you can be approved for the Reserve card while still holding the Platinum, and later decide whether to keep or cancel the Platinum card. Let’s delve into the nitty-gritty of maximizing this upgrade and making it a seamless transition to elite travel benefits.

Understanding the Delta SkyMiles Reserve Card

Before we dive into the specifics, let’s briefly recap why the Reserve card is such a desirable upgrade. It offers a robust suite of benefits designed for the frequent Delta flyer, including:

Delta Sky Club Access: Unlimited access to Delta Sky Clubs and Centurion Lounges when flying Delta.
Upgrade Priority: Higher priority for complimentary upgrades compared to Platinum cardholders.
Companion Certificate: Annually receive a companion certificate good for a round-trip domestic first class, Delta Comfort+, or Main Cabin ticket.
Medallion Qualification Dollar (MQD) Boost: Earn a head start towards Medallion status each year.
Statement Credits: Opportunities to earn statement credits on eligible Delta purchases.
Global Entry or TSA PreCheck Credit: Reimbursement for your application fee.

The increased annual fee reflects these enhanced benefits, so it’s crucial to determine if they align with your travel patterns and spending habits.

The Upgrade Process: Application is Key

As mentioned earlier, there isn’t a traditional “upgrade” process where you simply convert your Platinum card to a Reserve card. You essentially need to apply for a new Delta SkyMiles Reserve Card. Here’s a breakdown of the steps:

Assess Your Creditworthiness: Before applying, check your credit score. A good to excellent credit score significantly increases your chances of approval. American Express typically prefers a score in the 700s or higher for their premium cards.
Review the Eligibility Requirements: Make sure you meet the general eligibility requirements for American Express cards, such as being at least 18 years old and having a valid Social Security number.
Complete the Application: Visit the American Express website and find the Delta SkyMiles Reserve Card application. Fill out all the required information accurately and honestly.
Consider the Welcome Bonus: Pay close attention to the current welcome bonus offer. This can be a significant incentive to apply for the card and can help offset the annual fee. Ensure you understand the spending requirements and timeline to qualify for the bonus.
Wait for Approval: After submitting your application, American Express will review it and make a decision. This process can take anywhere from a few seconds to a few weeks.
Activate Your Card: Once approved, you’ll receive your Reserve card in the mail. Activate it immediately and start enjoying the benefits.
Decide on Your Platinum Card: After receiving the Reserve card, you have a decision to make about your Platinum card. You can either keep it open or close it. Keeping it can provide additional credit and spending power, but you’ll need to manage two annual fees.

Factors Influencing Your Approval

Several factors influence your chances of being approved for the Delta SkyMiles Reserve Card:

Credit Score: As mentioned, a good to excellent credit score is crucial.
Income: American Express wants to see that you have the financial capacity to handle the card’s spending limit and annual fee.
Credit History: A long and positive credit history is viewed favorably.
Relationship with American Express: If you already have other American Express cards and a good payment history, your chances of approval may be higher.
Application History: Applying for too many credit cards in a short period can negatively impact your approval odds.

Maximizing Your Welcome Bonus

The welcome bonus is a fantastic opportunity to quickly accumulate SkyMiles. To maximize it:

Plan Your Spending: Strategize how you’ll meet the spending requirements within the specified timeframe.
Consider Large Purchases: If you have any significant purchases planned, consider making them with your new Reserve card.
Prioritize Spending: Focus your spending on the Reserve card until you meet the bonus requirements.

Key Considerations After Approval

Once you’re approved for the Delta SkyMiles Reserve Card, here are a few key considerations:

Update Your Delta Profile: Make sure your SkyMiles number is linked to your Reserve card. This is crucial for receiving upgrade priority and other benefits.
Explore the Benefits: Take the time to thoroughly understand all the benefits offered by the Reserve card.
Utilize Your Companion Certificate: Plan a trip that will allow you to maximize the value of your companion certificate.
Monitor Your Spending: Keep track of your spending to ensure you’re staying within your budget and making the most of the card’s benefits.

Frequently Asked Questions (FAQs)

Here are some frequently asked questions about upgrading from the Delta Platinum to the Reserve card:

1. Can I Transfer My Credit Limit from My Platinum Card to the Reserve Card?

Generally, American Express does not allow direct transfer of credit limits between cards. The Reserve card will have its own credit limit based on your creditworthiness at the time of application.

2. Will Applying for the Reserve Card Affect My Credit Score?

Yes, applying for a new credit card will result in a hard inquiry on your credit report, which can slightly lower your credit score temporarily. However, responsible use of the new card can help improve your credit score over time.

3. Is the Reserve Card Worth the Higher Annual Fee Compared to the Platinum Card?

This depends entirely on your travel habits and spending patterns. If you frequently fly Delta and can utilize the Delta Sky Club access, upgrade priority, and companion certificate, the Reserve card can easily justify the higher annual fee. If you only fly occasionally, the Platinum card might be a better fit.

4. How Do I Use My Companion Certificate?

You can redeem your companion certificate online through your Delta SkyMiles account or by calling Delta reservations. Certain restrictions apply, such as eligible fare classes and routes. Make sure to read the terms and conditions carefully.

5. What is the MQD Boost and How Does it Work?

The MQD Boost provides a head start towards earning Medallion status. The specific amount of the boost varies and is typically a fixed amount of MQDs credited to your account each year. Check the terms and conditions of the card for the current MQD boost offer.

6. Can I Use My Reserve Card for Purchases Other Than Delta Flights?

Absolutely! You can use your Reserve card for any purchase where American Express is accepted. However, you’ll generally earn more SkyMiles per dollar spent on Delta purchases.

7. Does the Reserve Card Offer Purchase Protection or Extended Warranty Benefits?

Yes, the Delta SkyMiles Reserve Card typically offers purchase protection and extended warranty benefits on eligible purchases. Check the card’s guide to benefits for specific details and limitations.

8. How Do I Access Delta Sky Clubs with My Reserve Card?

Present your Delta SkyMiles Reserve Card and a same-day boarding pass for a Delta-marketed or Delta-operated flight to the Sky Club attendant. You can also access partner lounges like the Centurion Lounge when flying Delta.

9. What Happens to My SkyMiles if I Close My Platinum Card After Getting the Reserve Card?

Your SkyMiles will not be affected if you close your Platinum card. Your SkyMiles are tied to your SkyMiles account, not to a specific credit card.

10. Can I Downgrade My Reserve Card to a Lower-Tier Delta Card Later?

Yes, you can potentially downgrade your Reserve card to a lower-tier Delta SkyMiles card. However, this is subject to American Express’s approval and may not always be possible. Contact American Express directly to inquire about downgrade options.

11. How Long Does It Take to Receive the Welcome Bonus After Meeting the Spending Requirements?

The welcome bonus typically posts to your account within 8-12 weeks after you meet the spending requirements. However, it can sometimes take longer.

12. What are the Key Differences Between the Delta Reserve and the Delta Reserve Business Card?

While both cards offer similar benefits, the Delta Reserve Business Card is designed for business owners and offers additional perks relevant to business travel. The annual fee, welcome bonus, and spending categories may also differ between the two cards.

By understanding the upgrade process and maximizing the benefits of the Delta SkyMiles Reserve Card, you can elevate your travel experience and unlock a world of exclusive privileges. Happy flying!